REVERSIONARY BONUS FOR MONEY BACK LIFE INSURANCE POLICIES

Money Back Policies are insurance policies in which the insurance company shares a part of its profits with you depending on the performance of your funds. Reversionary Bonus is the bonus declared every year as a percentage of (Guaranteed Maturity Benefit# / Sum Assured* + Earlier Revisionary Bonuses). It is payable on death of the life assured or maturity of the policy.

Reversionary Bonus
FY Cash Advantage Savings Suraksha (LP) Savings Suraksha (RP) Future Perfect Anmol Bachat (RP) Series I Anmol Bachat (SP) Series II Anmol Bachat (RP) Series II
2017 4.75% 3.00% 1.75% 2.00% 0.90% 1.25% 1.25%
2016 5.00% 3.25% 2.00%   1.15%    
2015 5.25% 3.50% 2.25%   1.40%    
2014 5.25% 3.50% 2.25%        

For ICICI Pru Cash Advantage, ICICI Pru Savings Suraksha and ICICI Pru Future Perfect, the Reversionary Bonus is declared on a compounding basis as a percentage of Guaranteed Maturity Benefit (GMB)#.

Reversionary Bonus One time Bonus (addition to Reversionary bonus)
FY ICICI Pru Forever Life (SP) (Par Pension) ICICI Pru Forever Life (RP) (Par Pension) ICICI Pru Smart Kid (Par Life) ICICI Pru Save 'n' Protect (Par Life) ICICI Pru Cash Bak (Par Life) One time Bonus (Par pension) One time Bonus (Par Life)
2017 2.75% 2.75% 2.00% 2.00% 2.00%    
2016 2.75% 2.75% 2.25% 2.25% 2.25%    
2015 3% 3% 2.50% 2.50% 2.50%    
2014 2.75% 2.75% 2.25% 2.25% 2.25%    
2013 2.75% 2.75% 2.25% 2.25% 2.25%    
2012 2.75% 2.75% 2.25% 2.25% 2.25%    
2011 3.00% 3.00% 2.50% 2.50% 2.50%    
2010 2.75% 2.75% 2.50% 2.50% 2.50% 1.25% 1.50%
2009 2.50% 2.50% 2.25% 2.25% 2.25%    
2008 3.00% 3.00% 3.00% 3.00% 3.00%    
2007 3.25% 3.25% 3.25% 3.25% 3.25%    

*The Sum Assured is a fixed minimum amount guaranteed on maturity
#
Guaranteed Maturity Benefit (GMB) is equal to the fixed amount that you receive at the time of maturity.

REVERSIONARY BONUS FOR WHOLE LIFE POLICIES:

Whole Life Policies are insurance plans for which your Life Cover lasts for your entire lifetime. Revisionary Bonuses for these policies are declared regularly and are paid at the time of death claim. For the policies mentioned below, the Reversionary bonus is declared on a Simple Interest basis as a percentage of the Sum Assured.

POLICY NAME: ICICI PRU WHOLE LIFE

Policy Term FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017
Up to 15 years 3.50% 3.50% 3.50% 3.50% 3.50% 3.25% 3.00%
16 to 20 years 3.90% 3.90% 3.90% 3.90% 3.90% 3.65% 3.40%
21 to 25 years 4.70% 4.70% 4.70% 4.70% 4.70% 4.45% 4.20%
26 years and above 5.10% 5.10% 5.10% 5.10% 5.10% 4.85% 4.60%

POLICY NAME: ICICI PRU FUTURE SECURE

Policy Term FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017
Up to 15 years 3.60% 3.60% 3.60% 3.60% 3.60% 3.35% 3.10%
16 to 20 years 4.00% 4.00% 4.00% 4.00% 4.00% 3.75% 3.50%

TERMINAL BONUS

Terminal Bonus or Final additional bonus is paid at maturity or at the time of death claim. After declaring reversionary bonuses, if there are still additional profits available in the policy, they are declared as Terminal Bonus.

For the below participating policies, the terminal bonus is declared as a percentage of the Sum Assured.

FY 2017

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 15%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 and above 30%
ICICI Pru Save 'n' Protect Series I 105N004V01 16 and above 35%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 and 11 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 13 and above 30%
ICICI Pru Smartkid Series I 105N014V01 15 and above 45%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 20%
ICICI Pru Smartkid Series II 105N014V02 12 25%
ICICI Pru Smartkid Series II 105N014V02 13 and above 35%
ICICI Pru Cashbak Series I 105N005V01 15  35%
ICICI Pru Cashbak Series II 105N005V01 15 25%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 15 and above 35%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 6 to 8 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 10 25%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 12 and above 35%
ICICI Pru Forever Life Single Premium 105N002V01 15 35%

FY 2016

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 20%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 and above 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 10 and 11 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 12 and above 25%
ICICI Pru Smartkid Series I 105N014V01 14 and above 35%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 20%
ICICI Pru Smartkid Series II 105N014V02 12 and above 25%
ICICI Pru Cashbak Series I 105N005V01 15 and above 35%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 14 and above 35%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 5 to 9 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 10 and 11 30%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 12 and above 35%
ICICI Pru Forever Life Single Premium 105N002V01 14 and above 35%

FY 2015

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 10 30%
ICICI Pru Save 'n' Protect Series I 105N004V01 11 and above 40%
ICICI Pru Save 'n' Protect Series II 105N004V02 8 to 10 25%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 and above 25%
ICICI Pru Smartkid Series I 105N014V01 13 and above 35%
ICICI Pru Smartkid Series II 105N014V02 11 and above 25%
ICICI Pru Cashbak Series I 105N005V01 15 and above 35%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 13 and above 35%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 5 to 9 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 10 and above 35%
ICICI Pru Forever Life Single Premium 105N002V01 13 and above 40%

FY 2014

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 12 25%
ICICI Pru Save 'n' Protect Series I 105N004V01 13 and above 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 8 to 10 15%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 and above 20%
ICICI Pru Smartkid Series I 105N014V01 11 and above 25%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 and above 20%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 12 to 13 25%
ICICI Pru Forever Life Regular Premium Series-II 105N001V01 5 to 12 20%
ICICI Pru Forever Life Single Premium 105N002V01 12 to 13 30%

FY 2013

Product UIN Term (in years) Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N004V01 11 to 12 25%
ICICI Pru Save 'n' Protect Series I 105N004V01 13 and above 30%
ICICI Pru Save 'n' Protect Series II 105N004V02 8 to 10 15%
ICICI Pru Save 'n' Protect Series II 105N004V02 11 and above 20%
ICICI Pru Smartkid Series I 105N014V01 11 to 12 25%
ICICI Pru Smartkid Series II 105N014V02 10 15%
ICICI Pru Smartkid Series II 105N014V02 11 and above 20%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 11 to 12 25%
ICICI Pru Forever Life Regular Premium Series-II 105N001V02 5 to 11 20%
ICICI Pru Forever Life Single Premium 105N002V01 11 to 12 30%

FY 2012

Product UIN Terminal Bonus Rate
ICICI Pru Forever Life Regular Premium, Series I 105N001V01 20%
ICICI Pru Forever Life Regular Premium, Series II 105N001V02 15%
ICICI Pru Forever Life Single Premium 105N002V01 25%
ICICI Pru Smartkid Series I 105N014V01 20%
ICICI Pru Smartkid Series II 105N014V02 15%
ICICI Pru Save 'n' Protect Series I 105N004V01 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 15%

FY 2011

Product UIN Terminal Bonus Rate
ICICI Pru Save 'n' Protect Series I 105N001V01 20%
ICICI Pru Save 'n' Protect Series II 105N004V02 15%
ICICI Pru Smart kid Series I 105N014V01 20%
ICICI Pru Forever Life Regular Premium Series-I 105N001V01 20%
ICICI Pru Forever Life Regular Premium Series-II 105N001V01  
Policy Term:  
up to 7 years 10%
8 years 20%
9 years and above 25%
ICICI Pru Forever Life Single Premium 105N002V01 25%

FY 2010

 

Product UIN Terminal Bonus Rate
ICICI Pru Forever Life Regular Premium, Series I 105N001V01 15%
ICICI Pru Forever Life Regular Premium, Series II 105N001V02 20%
ICICI Pru Forever Life Single Premium 105N002V01 25%
ICICI Pru Save 'n' Protect Series I 105N004V01 15%

FY 2009

 

Product UIN Terminal Bonus Rate
ICICI Pru Forever Life Regular Premium, Series II 105N001V02 5%
ICICI Pru Forever Life Single Premium 105N002V01 10%
© 2015, ICICI Prudential Life Insurance Co. Ltd. Registered Address: ICICI Prulife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai 400025. Reg No: 105. Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions, please read the product brochure carefully before concluding a sale. Comp/doc/Apr/2015/97.
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